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Individual Retirement Accounts

Save for retirement with account options designed to support your future goals.

  • Tax-advantaged savings

  • Traditional and Roth options

  • Long-term retirement planning

Choose the IRA that fits your future.

Individual Retirement Accounts (IRAs) are designed to help you save for retirement with potential tax advantages. At Hawaii Community Federal Credit Union, you can choose between a Traditional IRA and a Roth IRA depending on your financial goals and tax situation.

Both options offer a way to build your savings over time, with insured deposits and flexible contribution options to support your long-term plans.

Compare Your Retirement Options

Traditional IRA
Roth IRA
Contributions may be tax-deductible
Contributions are not tax-deductible
Taxed at time of withdrawal
May be tax-free in qualifying situations
Those who expect a lower tax rate in retirement
Those who expect a higher tax rate in retirement
May reduce taxable income today
Made with after-tax income
Structured for long-term retirement savings
More flexibility for certain withdrawals

IRA accounts are subject to eligibility requirements and IRS regulations. Tax advantages depend on individual circumstances. Members should consult a tax advisor or financial professional to determine which option is appropriate for their situation. Membership requirements apply.

Frequently Asked Questions

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Phone Numbers

Main Number: 808-930-7700, Toll-Free: 800-514-2328        

Lost/Stolen VISA®

During Business Hours: 808-930-7700, After Hours: 800-847-2911  

Mailing Address:

73-5611 Olowalu Street, Kailua-Kona, HI 96740

Hawaii Community Federal Credit Union's routing number is 321379818.

We offer notary serives at all our branches. We recommend you call ahead to schedule an appointment at 808-930-7700.

We all want peace of mind when it comes to keeping our hard-earned money in savings accounts. Your Hawaii Community Federal Credit Union accounts are safe with us and insured by the NCUA for up to $250,000. If you need insurance beyond that amount, we'll help you structure your account so you can get additional coverage. Keep in mind our IRA accounts are insured separately up to $250,000, too.

Yes, Hawaii Community Federal Credit Union participates in shared branching. Whenever you're traveling on the mainland, you can still get easy access to your Hawaii Community Federal Credit Union account through our partnership with the CO-OP Network.

Locate a shared branch online or by calling 888-748-3266.

Tools to help you reach your goals

Refer Friends

When they open a checking account, you'll get a gift card, and they'll be entered to win a prize!